Union Bank Farmer’s Credit Card – Features & Benefits

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Features of Union Bank Farmer’s Credit Card

Overview of the Kisan Credit Card Scheme: The Union Bank Farmer’s Credit Card, commonly known as the Kisan Credit Card (KCC), is a specialized financial product designed to cater to the unique needs of farmers in India. Launched under the guidance of the Reserve Bank of India (RBI) and the National Bank for Agriculture and Rural Development (NABARD), the KCC scheme aims to provide affordable and flexible credit to farmers for agricultural and allied activities. Union Bank of India, as a leading public sector bank, offers this card to ensure farmers have access to timely funds for crop cultivation, farm maintenance, and other agricultural expenses. The card serves as a revolving credit facility, allowing farmers to borrow, repay, and borrow again within an approved credit limit, making it a versatile tool for managing farming-related financial needs.
Flexible Credit Limit: One of the standout features of the Union Bank Farmer’s Credit Card is its flexible credit limit, which is tailored to the farmer’s agricultural requirements. The credit limit is determined based on factors such as the scale of farming operations, the type of crops cultivated, and the farmer’s repayment capacity. For loans up to ₹3 lakh, the KCC scheme often requires no collateral, making it accessible to small and marginal farmers. For larger limits, collateral such as a mortgage of land or other immovable property may be required, typically valued at 100% of the loan amount. The credit limit is reviewed annually, with provisions for a 10% increase each year to accommodate rising input costs, subject to the bank’s assessment.

- Interest Subvention and Low Rates: The KCC offers a subsidized interest rate, making it one of the most cost-effective credit options for farmers. As per government guidelines, loans up to ₹3 lakh attract an interest rate of 7% per annum. Additionally, farmers who repay their loans promptly are eligible for a 3% interest subvention, effectively reducing the interest rate to 4% per annum. This feature significantly reduces the financial burden on farmers, encouraging timely repayments and ensuring affordability. For overdue loans, compound interest may apply, but the scheme promotes simple interest for prompt repayments, enhancing transparency and cost-effectiveness.
- Wide Range of Eligible Expenses: The Union Bank Farmer’s Credit Card covers a broad spectrum of agricultural and allied expenses, making it a comprehensive financial tool. Farmers can use the credit for purchasing seeds, fertilizers, pesticides, and other inputs essential for crop production. It also supports expenses related to farm maintenance, such as irrigation, labor costs, and equipment repairs. Additionally, the card can be used for allied activities like dairy farming, poultry, fisheries, and horticulture. This versatility ensures that farmers can address multiple aspects of their agricultural operations without needing multiple loans.
- Rupay Debit Card Integration: A unique feature of the Union Bank KCC is its integration with a Rupay debit card, provided to all eligible borrowers. This allows farmers to access funds conveniently through ATMs or point-of-sale (POS) terminals, making it easier to purchase inputs or meet urgent cash needs. The Rupay card is Aadhaar-enabled, ensuring secure transactions and alignment with government initiatives for digital banking. The card also supports cash withdrawals, with a daily limit of up to ₹20,000 or two transactions, depending on the card variant.
- Tenure and Repayment Flexibility: The KCC has a tenure of up to 5 years, providing farmers with a long-term credit facility. The revolving nature of the card allows farmers to repay and borrow again within the sanctioned limit, offering flexibility to manage cash flows based on crop cycles. Repayments are aligned with the harvesting season, typically allowing farmers to settle dues post-harvest when income is generated. This seasonal alignment reduces financial stress and ensures that repayment schedules are practical for agricultural activities.
- Insurance Coverage: The Union Bank Farmer’s Credit Card includes insurance benefits to protect farmers from unforeseen events. Cardholders are eligible for accidental insurance coverage, which varies depending on the card variant. For instance, the scheme may offer coverage of up to ₹2 lakh for accidental death, with higher variants providing up to ₹10 lakh. Some variants also include card loss protection up to ₹1.5 lakh, safeguarding farmers from financial losses due to theft or misuse of the card.
- No Joining Fees: Unlike many traditional credit cards, the Union Bank KCC has no joining fees, making it accessible to farmers without upfront costs. The annual fee, if applicable, is minimal (e.g., ₹299–₹499 for certain variants like the RuPay Platinum or Select cards) and can be waived based on spending thresholds. For example, spending ₹30,000–₹1,00,000 annually can waive the renewal fee, depending on the card variant. This cost-effective structure ensures that farmers can access credit without worrying about high fees.
- Digital Banking Integration: The KCC is integrated with Union Bank’s digital banking platforms, allowing farmers to manage their accounts through net banking or mobile apps. This feature enables farmers to check their credit limit, track transactions, and make repayments conveniently. The bank also offers auto-debit facilities, where loan repayments can be automatically deducted from a linked savings account, reducing the risk of missed payments and ensuring seamless account management.
- Support for Allied Activities: Beyond crop cultivation, the KCC supports allied agricultural activities such as animal husbandry, beekeeping, and sericulture. This feature is particularly beneficial for farmers diversifying their income sources. For example, funds can be used to purchase livestock, feed, or equipment for dairy or poultry farming, helping farmers build resilient and multifaceted agricultural enterprises.
- Spend-Based Benefits: Certain variants of the KCC, such as the Union Bank RuPay Select or Platinum Credit Card, offer reward points and cashback on eligible spends. For instance, cardholders can earn 4 reward points per ₹100 spent on categories like shopping, groceries, or dining. These points can be redeemed for vouchers, movie tickets, or travel bookings, adding value to everyday transactions. Cashback offers, such as up to ₹50 per month on utility bill payments or ₹25 on IRCTC transactions, further enhance the card’s utility.
- Aadhaar-Enabled Transactions: The KCC is Aadhaar-enabled, ensuring secure and streamlined transactions. This feature aligns with government initiatives to promote digital payments and financial inclusion, making it easier for farmers to access funds and make purchases without relying solely on cash. The Aadhaar linkage also simplifies identity verification during the application process, reducing paperwork and processing time.
- Fuel Surcharge Waiver: For farmers who rely on fuel for machinery or transportation, the KCC offers a 1% fuel surcharge waiver on transactions at petrol stations across India. The waiver is capped at ₹75–₹100 per month, depending on the card variant, helping farmers save on operational costs. This feature is particularly useful for farmers using tractors, pumps, or vehicles for agricultural activities.
- Lounge Access for Premium Variants: For farmers opting for premium variants like the Union Bank RuPay Select Credit Card, the KCC offers travel-related benefits, including 4 complimentary domestic and international lounge accesses per year. This feature caters to farmers who travel for agricultural trade fairs, markets, or personal reasons, adding a layer of convenience and luxury to their financial toolkit.
- EMI Facility: The KCC includes an EMI (Equated Monthly Installment) facility, allowing farmers to convert large purchases into affordable monthly payments. This is particularly useful for buying expensive equipment or inputs, as it spreads the cost over time, reducing immediate financial strain. The EMI facility is available for specific transactions, with a pre-closure charge of 2% on the outstanding amount.
- Integration with Government Schemes: The KCC is integrated with government initiatives like the PM Kisan Samman Nidhi Scheme, enabling beneficiaries to access credit seamlessly. This synergy enhances financial inclusion by combining direct income support with access to institutional credit, ensuring farmers have a holistic financial support system.
- Customizable Card Options: Union Bank offers multiple variants of the KCC, such as the RuPay Platinum and RuPay Select Credit Cards, allowing farmers to choose a card that aligns with their financial needs and lifestyle. Premium variants offer higher reward points, better insurance coverage, and additional perks like lounge access, while basic variants focus on affordability and essential features.
- Transparent Fee Structure: The KCC maintains a transparent fee structure, with clear communication of charges such as late payment fees or interest on overdue amounts. Interest is calculated from the purchase date for unpaid transactions, ensuring farmers are aware of the costs associated with delayed repayments. This transparency helps farmers plan their finances effectively.

Benefits of the Union Bank Farmer’s Credit Card

Financial Empowerment for Farmers: The Union Bank Farmer’s Credit Card, through the Kisan Credit Card scheme, empowers farmers by providing access to institutional credit at affordable rates. This reduces their dependence on informal lenders who often charge exorbitant interest rates, trapping farmers in debt cycles. By offering a revolving credit facility, the KCC ensures farmers have funds readily available for critical agricultural activities, enhancing their financial stability and productivity.
Affordable Interest Rates: One of the most significant benefits of the KCC is its low interest rate of 7% per annum for loans up to ₹3 lakh, further reduced to 4% with a 3% interest subvention for prompt repayment. This makes borrowing highly affordable, allowing farmers to invest in high-quality inputs without worrying about high financing costs. The benefit of low interest is crucial for small and marginal farmers who operate on tight budgets.

- Collateral-Free Loans: For loans up to ₹3 lakh, the KCC scheme typically requires no collateral, making it accessible to farmers who may not own significant assets.
- Flexible Repayment Schedule: The KCC aligns repayment schedules with the agricultural cycle, allowing farmers to repay loans after harvesting crops when they have cash inflows.
- Comprehensive Expense Coverage: The KCC covers a wide range of expenses, from crop production to allied activities like dairy, poultry, and fisheries.
- Insurance Protection: The accidental insurance coverage provided with the KCC (ranging from ₹1.5 lakh to ₹30 lakh, depending on the variant) offers a safety net for farmers and their families.
- Digital Access and Convenience: With the integration of a Rupay debit card and digital banking platforms, the KCC offers unmatched convenience.
- Reward Points and Cashback: Certain KCC variants, such as the RuPay Platinum and Select cards, offer reward points and cashback on specific transactions, such as utility bills and IRCTC bookings.
- Fuel Cost Savings: The 1% fuel surcharge waiver (capped at ₹75–₹100 per month) reduces the cost of fuel for agricultural machinery, vehicles, or irrigation pumps.
- Travel and Lifestyle Perks: Premium KCC variants like the RuPay Select Credit Card offer 4 complimentary lounge accesses per year, both domestically and internationally.
- EMI for Large Purchases: The EMI facility allows farmers to convert significant expenses, such as purchasing farm equipment or bulk inputs, into manageable monthly payments.
- Support for Diversification: By covering allied activities like animal husbandry, beekeeping, and horticulture, the KCC supports farmers in diversifying their income sources.
- Integration with Government Welfare: The KCC’s integration with schemes like PM Kisan Samman Nidhi enhances its benefits by combining direct income support with access to credit.
- No Joining Fees: The absence of joining fees makes the KCC accessible to farmers of all economic backgrounds. The minimal annual fees can be waived by meeting spending thresholds, ensuring that the card remains cost-effective.
- Enhanced Credit Limit Over Time: The annual review of the credit limit, with a potential 10% increase, ensures that the KCC adapts to rising agricultural costs.
- Financial Inclusion: The KCC promotes financial inclusion by providing credit to small, marginal, and tenant farmers who are often excluded from traditional banking services.
- Prompt Repayment Incentives: The 3% interest subvention for prompt repayment not only reduces the effective interest rate but also encourages financial discipline.
- Transparent Financial Management: The KCC’s transparent fee structure and clear communication of interest rates, late payment fees, and other charges enable farmers to plan their finances effectively.

How to Apply for the Union Bank Farmer’s Credit Card (Kisan Credit Card)

Overview of the Application Process:
- Union Bank of India provides both online and offline methods to apply for the Kisan Credit Card (KCC), aimed at simplifying access for farmers, including those in rural regions.
Step 1: Check Eligibility
- Applicant must be an individual farmer, tenant farmer, or member of SHG/JLG with cultivable land.
- Age should be between 18 and 75 years.
- Should have a stable source of income through agriculture or allied activities.
Step 2: Gather Required Documents
- Identity proof: Aadhaar card, voter ID, or passport.
- Address proof: Utility bill or ration card.
- Income proof: Land ownership documents or income certificate.
- Two passport-size photographs.
- Lien agreement if applying against a fixed deposit.
Step 3: Online Application Process
- Visit the Union Bank official website and navigate to the Kisan Credit Card section.
- Download the application form or fill it out online with personal and land details.
- Upload scanned copies of required documents.
- Submit the form and wait for a bank representative to contact you for verification.
Step 4: Offline Application Process
- Visit the nearest Union Bank branch and request the KCC application form.
- Fill out the form with accurate information and attach self-attested physical copies of the documents.
- Submit the form at the branch and get a receipt or application reference number.
Step 5: Verification and Processing
- Bank verifies land ownership, income, and credit history.
- Processing time: 7–10 working days.
Step 6: Credit Limit Approval
- Limit approved based on agricultural activity, income, and repayment capacity.
- Higher limits require additional documents like ITRs or bank statements.
Step 7: Card Issuance and Activation
- Card and Rupay Debit Card dispatched within 10 working days.
- Activation Methods:
  - SMS: Send “CARDACKW” followed by last 4 digits of the card number from your registered number.
  - Call Union Bank helpline to activate.
  - Use Union Bank Credit Card Portal for online activation.
Step 8: Track Application Status
- Call customer care with your application reference number.
- Visit the branch for updates.
- Email support or use online tools (if available) for tracking.
Step 9: Post-Approval Support
- Farmers can contact Union Bank customer care for repayment schedules and card queries.
- Online banking tools allow for transaction monitoring and auto-debit setup.
- Dedicated NRI helpline for overseas applicants.

Eligibility Criteria for the Union Bank Farmer’s Credit Card

Age Requirements:
- Primary cardholder must be between 18 and 75 years of age.
- Maximum age may be capped at 60 for salaried farmers, based on card variant.
- Add-on cardholders must be at least 18 years old.
Land Ownership and Cultivation:
- Applicable to owner cultivators, tenant farmers, oral lessees, and sharecroppers.
- Self-Help Groups (SHGs) and Joint Liability Groups (JLGs) are also eligible.
Income Stability:
- Stable income from agriculture or allied activities is required.
- For credit limits up to ₹3 lakh, extensive proof is not required.
- For higher limits, ITRs, salary slips, or land records may be needed.
Credit Score and History:
- Preferred credit score: 700 or above.
- Secured KCC options available for low/no credit score applicants.
Citizenship and Residency:
- Must be an Indian citizen with valid address proof like Aadhaar or Voter ID.
- Card availability may depend on region or branch-specific policies.
Educational Qualifications:
- Not mandatory, but higher education can improve approval chances.
Employment Status:
- Salaried farmers must provide employment proof (salary slips/Form 16).
- Self-employed must provide ITRs for the last 2 years.
Savings Account Requirement:
- Must have a savings account with Union Bank or any bank.
- Facilitates auto-debit for smooth repayment and disbursement.
PM Kisan Samman Nidhi Integration:
- PM Kisan beneficiaries are eligible and should declare this in the application.
Secured Card Option:
- Available against a fixed deposit with a 25% margin.
- Ideal for applicants lacking income proof or strong credit history.
Existing Relationship with Union Bank:
- Prior relationship (FDs, savings account, or past loans) improves approval chances.
Single Credit Application Rule:
- Avoid multiple credit card/loan applications at the same time.
Default History Considerations:
- Applicants with defaults should improve credit history before applying.
- Minor defaults may be overlooked if other criteria are strong.
Corporate Farmers:
- Requires board resolution and signature of authorized signatories.
Special Provisions for Marginal Farmers:
- Simplified documentation and collateral-free loans up to ₹3 lakh offered.
Annual Income Threshold:
- ₹2.5 lakh minimum for unsecured loans; higher limits need proof of higher income.
Regional and Crop-Specific Considerations:
- Eligibility may vary based on crop type and region-specific Union Bank guidelines.
Ongoing Loan Management:
- Applicants must demonstrate responsible repayment behavior on existing loans.

Documents Required for Union Bank Farmer’s Credit Card

Identity Proof:
- Aadhaar Card, Voter ID Card, Passport, Driving License, PAN Card
Self-attested copy required. Aadhaar is preferred for Aadhaar-enabled KCC.
Address Proof:
- Aadhaar Card (if not used as identity proof)
- Voter ID Card
- Passport
- Driving License
- Utility Bills (not older than 3 months)
- Ration Card
Ensure the address matches the applicant's current residence or farm location.
Income Proof:
- Salaried Farmers: Salary slips (last 3 months), Form 16, or ITRs (last 2 years)
- Self-Employed Farmers: ITRs with computation sheets and audited financials
- Small Farmers: Crop sale receipts, land revenue records, mandi receipts
For loans up to ₹3 lakh, relaxed documentation norms apply.
Land Ownership Documents:
- Land Title Deed, Patta or Khatauni, Lease Agreement (for tenant farmers), Crop Cultivation Records,
- Certificate from Local Revenue Authorities
Proves active engagement in agricultural activity.
Photographs:
- Two recent passport-size color photographs
Application Form:
- Duly filled and self-attested KCC application form from branch or website
Fixed Deposit Documents (If applying for Secured KCC):
- Fixed Deposit Receipt, Lien Agreement, Consent Letter
PAN Card:
- Self-attested PAN card copy – mandatory for financial verification and tax linkage
Savings Account Details:
- Union Bank account passbook copy or canceled cheque
New accounts can be opened at the time of KCC application.
PM Kisan Samman Nidhi Documents (if applicable):
- Beneficiary ID or registration proof
Documents for Corporate Farmers:
- Board Resolution
- Authorized Signatories’ Signatures
- Company Registration Proof
- Financial Statements
Self-Attestation Requirements:
- All documents must be signed by the applicant; originals to be shown during verification
Documents for Add-On Cards:
- Separate ID proof of add-on cardholder (18+ age)
- Consent letter from the primary cardholder
Digital Submission Option:
- Scanned documents in PDF or JPEG format must be clear and legible
- Upload via Union Bank’s online KCC portal
Verification Process:
- Documents are verified by the bank; additional clarification may be requested
Document Retention:
- Farmers should keep copies of all submitted documents for reference

Factors Affecting Eligibility for the Union Bank Farmer’s Credit Card (Kisan Credit Card)

Age of the Applicant: Eligible age is 18–75 years for primary cardholders and 18+ for add-on cardholders. Younger farmers (18–21) may face closer scrutiny, while ages 21–60 are considered ideal. Older farmers may need to show additional repayment proof.
Income and Repayment Capacity: Farmers must show stable income from agriculture or allied activities. A minimum annual income of ₹2.5 lakh is typically required for unsecured loans. Income proof can include ITRs, land revenue records, or crop sale receipts.
Credit Score and History: A score of 700+ improves approval chances. Poor scores (below 600) or default history reduce eligibility. Farmers with low scores can apply for a secured KCC against fixed deposits.
Land Ownership and Agricultural Activity: Proof of land ownership, lease agreements, or cultivation records is essential. Crop type and scale of farming impact credit limit—high-value crops or large-scale operations may get better offers.
Employment Stability: Salaried farmers should have at least 1 year of job stability. Self-employed farmers must demonstrate consistent income from farming, preferably over multiple seasons or years.
Prior Relationship with Union Bank: Applicants maintaining accounts, fixed deposits, or loan history with Union Bank and showing good transaction behavior are given preference.
Credit Utilization and Debt Levels: A credit utilization ratio under 30% is ideal. High outstanding balances on other loans may weaken the application. Farmers should repay dues before applying.
Multiple Credit Inquiries: Frequent loan or card applications can negatively impact credit score. Limit new credit applications to strengthen the profile.
Payment History: A clean repayment record strengthens trust. Missed payments or defaults hurt creditworthiness. Farmers should clear any overdue loans or EMIs.
Educational Qualifications: Not mandatory, but having higher education or agricultural training may reflect financial awareness and improve approval chances.
Regional and Crop-Specific Factors: Farmers in regions with better market linkages or cultivating high-demand crops are likely to receive better offers and credit limits.
Integration with Government Schemes: Enrollment in PM Kisan Samman Nidhi or similar schemes helps validate farming activity and improves approval chances, especially for small/marginal farmers.
Secured vs. Unsecured KCC: Farmers with weak income or credit scores can opt for a secured KCC backed by FDs (25% margin). This bypasses strict credit norms and provides access to funds.
Loan Repayment Behavior: Demonstrating responsible behavior on previous loans, such as timely payments and low DTI, enhances the application’s credibility.
Financial Documentation: Clear, updated ITRs, land records, and crop sale receipts are necessary. Incomplete or inconsistent paperwork may lead to rejection or delay.
Economic and Market Conditions: During agricultural distress or policy changes, Union Bank may revise credit norms—either easing them to support farmers or tightening them during downturns.
Corporate Governance for Business Applicants: Corporate farmers must meet legal documentation requirements such as board resolutions and authorized signatories for approval.
Strategies to Improve Eligibility:
- Pay off existing debts and reduce credit utilization.
- Ensure accurate and complete financial records.
- Enroll in government schemes like PM Kisan for added credibility.
- Choose secured KCC if facing eligibility issues.
- Consult Union Bank staff for pre-approval advice.

Frequently Asked Questions (FAQs) – Union Bank Farmer’s Credit Card (Kisan Credit Card)

1. What is the Union Bank Farmer’s Credit Card?

The Union Bank Farmer’s Credit Card, or Kisan Credit Card (KCC), is a financial product designed to provide affordable credit to farmers for agricultural and allied activities. It offers a revolving credit facility, allowing farmers to borrow, repay, and borrow again within a sanctioned limit. The card supports expenses like seeds, fertilizers, pesticides, irrigation, and allied activities such as dairy or poultry. It comes with a Rupay debit card for easy access to funds via ATMs or POS terminals. The KCC is backed by RBI and NABARD guidelines, offering low interest rates (7% per annum, reducible to 4% with prompt repayment) and flexible repayment aligned with harvest seasons, making it a vital tool for farmers’ financial needs.

2. Who is eligible for the Union Bank KCC?

Eligibility for the KCC includes individual farmers, tenant farmers, oral lessees, sharecroppers, or members of Self-Help Groups (SHGs) and Joint Liability Groups (JLGs) engaged in agriculture. Applicants must be Indian citizens aged 18–75 years (primary cardholder) or 18+ for add-on cardholders. They should own or cultivate land and have a stable income from agriculture or allied activities. A credit score above 700 is preferred, though secured options against fixed deposits are available for those with poor credit. Beneficiaries of PM Kisan Samman Nidhi are automatically eligible, simplifying verification. Farmers with existing Union Bank accounts or good repayment history have an advantage. The scheme prioritizes small and marginal farmers to promote financial inclusion.

3. What is the credit limit for the KCC?

The credit limit for the Union Bank KCC is tailored to the farmer’s agricultural needs, based on land size, crop type, and repayment capacity. For loans up to ₹3 lakh, no collateral is required, making it accessible to small farmers. Higher limits may require collateral like land mortgages (valued at 100% of the loan). The limit is reviewed annually, with a potential 10% increase to account for rising input costs. For example, a farmer with a ₹1 lakh limit may see it increase to ₹1.1 lakh the next year. The bank assesses factors like crop cycles and income to ensure the limit supports farming operations without overburdening the farmer. Secured KCC against fixed deposits can offer higher limits for those with limited documentation.

4. What is the interest rate for the KCC?

The KCC offers a subsidized interest rate of 7% per annum for loans up to ₹3 lakh, significantly lower than commercial loans. Farmers who repay promptly are eligible for a 3% interest subvention, reducing the effective rate to 4% per annum. This makes borrowing highly affordable, especially for small and marginal farmers. For overdue loans, compound interest may apply, but prompt repayments ensure simple interest, enhancing cost-effectiveness. The low interest rate reduces financial strain, allowing farmers to invest in quality inputs like seeds or fertilizers. This benefit aligns with government initiatives to make agricultural credit accessible, encouraging financial discipline and reducing reliance on informal lenders with high interest rates.

5. What expenses can the KCC cover?

The Union Bank KCC covers a wide range of agricultural and allied expenses. Farmers can use funds for crop production costs, including seeds, fertilizers, pesticides, and labor. It also supports farm maintenance expenses like irrigation systems, equipment repairs, and fuel for machinery. Allied activities such as dairy farming, poultry, fisheries, beekeeping, and horticulture are eligible, enabling diversification. For example, a farmer can buy seeds for crops, repair a tractor, and purchase livestock feed using the same credit facility. This comprehensive coverage streamlines financial management, reducing the need for multiple loans and allowing farmers to allocate funds efficiently across various aspects of their operations, enhancing productivity and sustainability.

6. Is collateral required for the KCC?

For loans up to ₹3 lakh, the Union Bank KCC typically requires no collateral, making it accessible to small, marginal, and tenant farmers who may not own significant assets. This feature promotes financial inclusion by removing barriers for farmers without land ownership, such as oral lessees or sharecroppers. For credit limits above ₹3 lakh, collateral like a land mortgage or other immovable property (valued at 100% of the loan) may be required. Alternatively, farmers with limited documentation can opt for a secured KCC against a fixed deposit with a 25% margin, bypassing collateral requirements. This flexibility ensures that farmers of varying economic backgrounds can access credit tailored to their needs.

7. How can I apply for the Union Bank KCC?

Farmers can apply for the KCC online via www.unionbankofindia.co.in or offline at a Union Bank branch. Online, download the one-page KCC form, fill in details (name, address, farming activity, credit limit), and upload documents. A bank representative will contact you for verification. Offline, visit a branch, obtain the form, and submit it with self-attested documents like Aadhaar, land records, and income proof. Processing takes 7–10 days. Ensure accuracy in documents to avoid delays. Farmers can track application status via toll-free numbers (1800 22 22 44 or 1800 208 2244) or email (ccdhelpdesk@unionbankofindia.bank). Branch staff assist farmers with limited literacy, ensuring accessibility.

8. What documents are required for the KCC?

To apply for the KCC, farmers need: identity proof (Aadhaar, voter ID, passport), address proof (utility bill, ration card), income proof (ITRs, salary slips, or land revenue records), land ownership or cultivation documents (title deed, lease agreement, or revenue records), and two passport-size photographs. For secured KCC, a fixed deposit receipt and lien agreement are required. PM Kisan Samman Nidhi beneficiaries should provide their beneficiary ID. All documents must be self-attested, with originals for branch verification. Accurate and complete documentation ensures faster processing. Farmers with limited records can consult branch staff for alternative options, such as affidavits for tenant farmers.

9. How long does it take to get the KCC approved?

The Union Bank KCC application process typically takes 7–10 working days for approval, depending on document verification and eligibility assessment. For loans up to ₹3 lakh, the process is faster due to simplified requirements and no collateral. After submitting the application (online or at a branch), the bank verifies identity, land ownership, income, and credit history. Farmers may be contacted for additional documents or clarifications, which can extend processing if not addressed promptly. Upon approval, the card and Rupay debit card are dispatched within 10 days. Farmers can track status via toll-free numbers (1800 22 22 44 or 1800 208 2244) or email (ccdhelpdesk@unionbankofindia.bank) to ensure timely resolution of issues.

10. How do I activate my KCC?

To activate the Union Bank KCC, farmers receive a Rupay debit card that must be activated before use. Methods include: sending an SMS (“CARDACKW” followed by the last four digits of the card number to 7836884400), calling the toll-free helpline (1800 425 1515), or registering on the Union Bank Credit Card Portal (unioncards.unionbankofindia.co.in) for online activation. Activation requires the registered mobile number to be active. Once activated, the card can be used for cash withdrawals (up to ₹20,000 daily or two transactions) or purchases at POS terminals. Activation is mandatory to access funds, and farmers should contact customer care if they face issues during the process.

List of Union Bank Farmer's Credit Card Branches in Telangana

Hyderabad - Banjara Hills
Hyderabad - Koti
Hyderabad - Secunderabad
Hyderabad - Dilsukhnagar
Hyderabad - Jubilee Hills

Hyderabad - Ameerpet
Hyderabad - Begumpet
Hyderabad - Himayat Nagar
Hyderabad - Kukatpally
Hyderabad - Mehdipatnam

Hyderabad - Saifabad
Hyderabad - Gachibowli
Hyderabad - Madhapur
Hyderabad - Uppal
Hyderabad - Malkajgiri

Hyderabad - Punjagutta
Hyderabad - Somajiguda
Hyderabad - Abids
Hyderabad - Nampally
Hyderabad - Chikkadpally

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